Citizens Bank & Trust Co. (FDIC certificate #10218) is based in Hutchinson, Minnesota. Its Q2 2026 call report shows $329.0M in total assets and $297.4M in deposits and 3 offices.
Based on its Q2 2026 filing, Citizens Bank & Trust Co. scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 114th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is capital cushion (36/100; 8.63%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (64 → 69), mostly because the capital cushion component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 60 |
| Q4 2024 | 60 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 64 |
| Q4 2025 | 66 |
| Q1 2026 | 68 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.68% |
| Q3 2024 | 7.67% |
| Q4 2024 | 7.66% |
| Q1 2025 | 7.94% |
| Q2 2025 | 7.99% |
| Q3 2025 | 8.12% |
| Q4 2025 | 8.07% |
| Q1 2026 | 8.48% |
| Q2 2026 | 8.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.57% |
| Q4 2024 | 0.58% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.53% |
| Q4 2025 | 0.42% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.80% |
| Q1 2025 | 1.14% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.13% |
| Q4 2025 | 1.12% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $329.0M | 8.63% | 0.26% | 1.21% | 55.2% |
| Q1 2026 | 68 | $310.0M | 8.48% | 0.47% | 1.17% | 60.1% |
| Q4 2025 | 66 | $322.2M | 8.07% | 0.42% | 1.12% | 55.4% |
| Q3 2025 | 64 | $319.9M | 8.12% | 0.53% | 1.13% | 55.2% |
| Q2 2025 | 64 | $339.1M | 7.99% | 0.46% | 1.14% | 51.0% |
| Q1 2025 | 64 | $312.8M | 7.94% | 0.47% | 1.14% | 56.6% |
| Q4 2024 | 60 | $317.1M | 7.66% | 0.58% | 0.80% | 57.6% |
| Q3 2024 | 60 | $321.5M | 7.67% | 0.57% | 0.74% | 59.9% |
| Q2 2024 | 59 | $314.9M | 7.68% | 0.59% | 0.78% | 57.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The State Bank of FaribaultBank Faribault, MN | 71 out of 100, Strong | $329.2M | 9.3% | 0.13% | vs |
| Viking Bank, National AssociationBank Alexandria, MN | 70 out of 100, Strong | $330.3M | 9.2% | 0.53% | vs |
| Woodlands National BankBank Hinckley, MN | 62 out of 100, Moderate | $331.0M | 11.2% | 1.42% | vs |
| Ultima Bank MinnesotaBank Winger, MN | 72 out of 100, Strong | $333.9M | 10.8% | 0.62% | vs |
| Reliance BankBank Faribault, MN | 65 out of 100, Moderate | $334.1M | 9.0% | 0.25% | vs |
| First Bank Blue EarthBank Blue Earth, MN | 64 out of 100, Moderate | $322.7M | 9.5% | 0.39% | vs |
Deposit insurance
Is my money safe at Citizens Bank & Trust Co.?
Yes. Citizens Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #10218). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.9% of deposits ($88.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.07% (benchmark: 10%).
3 locations
Branches
Citizens Bank & Trust Co. lists 1 office in 1 city. Most locations:
- Hutchinson, MN (1)
Identity & history
Profile
- Legal name
- Citizens Bank & Trust Co.
- Former names
- Citizens Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10218
- RSSD ID
- 56258
- Primary regulator
- FDIC
- Holding company
- Citizens Bancshares Hutchinson
- Established
- January 1, 1886
- Headquarters
- 102 Main St S, Hutchinson, MN 55350
- Website
- www.cbhutch.com
- Employees
- 32
Quick answers
Citizens Bank & Trust Co.: common questions
Is Citizens Bank & Trust Co. FDIC insured?
Yes. Citizens Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #10218). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank & Trust Co.'s TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank & Trust Co. ever failed?
There is no failure record for FDIC certificate #10218 in the FDIC failed bank list.
How many branches does Citizens Bank & Trust Co. have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hutchinson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| PrinsBankBank Prinsburg, MN | 85 out of 100, Very strong | $308.3M | 12.0% | 0.29% | vs |
| Home State BankBank Litchfield, MN | 83 out of 100, Strong | $218.9M | 11.8% | 0.08% | vs |
| Center National BankBank Litchfield, MN | 80 out of 100, Strong | $242.6M | 11.1% | 0.00% | vs |
| Grand Marais State BankBank Grand Marais, MN | 75 out of 100, Strong | $207.2M | 8.4% | 0.10% | vs |
| Security Bank & Trust CompanyBank Glencoe, MN | 74 out of 100, Strong | $1.3B | 9.4% | 0.34% | vs |
| Cornerstone State BankBank Montgomery, MN | 74 out of 100, Strong | $247.0M | 10.6% | 0.80% | vs |